Home Insurance in New Boston, Ohio
With a median home value of $64,200, New Boston is 53% lower than the Scioto County median.
The typical home in New Boston was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 54% of homes were built before 1960, about 12 points above Scioto County's 42%.
In New Boston, the housing stock is 58% single-family homes, 30% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In New Boston, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 31% of occupied homes in New Boston are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in New Boston - 59% - are primarily heated with natural gas.
What's the biggest home insurance risk near New Boston? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Scioto County and Scioto County had 248 active NFIP flood policies as of September 2026. See the full Scioto County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $64,200 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 31% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Scioto County | 248 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)